The traditional areas of commercial banks, such as consumer banking, corporate banking, and treasury operations of investment banking have been computerized. Decision support systems have been used extensively in areas such as consumer account analysis, customer profitability analysis, and calculation of the cost of funds and bond yield. In addition, expert systems are gradually being used on a...

Banks within Europe have become larger and more international. We use a micro data set to investigate the impact of size on banks Net Interest Margin and show larger banks lower borrowing costs for firms which raises sustainable output. We use NiGEM to look at the impact of banks becoming smaller and moving back into their home territory. We first investigate the impacts on output in large and ...

In order to solve the problem of insufficient capital adequacy, haphazard internal control, the lower international competitiveness and others, the domestic commercial banks have introduced strategic investors. In order to study whether efficiency of introducing the strategic investors is improved, this paper carries out panel data regression analysis, using data of such banks as: the China Con...

A random matching environment is constructed where banks mitigate a mismatch between the timing of investment payo¤s and when agents wish to consume. Claims on banks may serve as media of exchange, i.e. private money. Two problems can emerge with private money. First, there may exist welfaredominated equilibria where banks hold low-return assets. Second, private media of exchange may be subject...

Increasing economy’s resistance against the menace of sanctions, various risks, shocks, and internal and external threats are one of the main national policies which can be implemented through bank investments. Investment project selection is a complex and multi-criteria decision-making process that is influenced by multiple and often some conflicting objectives. This paper studies portfolio inve...

In this paper, we analyze whether the total debt ratios and bank loan ratios of Chinese listed companies had any impact on their fixed investment in 2001-2006, and whether this impact, if it existed, differed among companies with differing investment opportunities. Our results are as follows. First, our analysis reveals that the total debt ratio (bank loan ratio) did have a negative impact on f...

This study estimated cost inefficiency, scale & scope measures and cost productivity growth rates of banks in United Arab Emirates during 1998 (a bad year for banks due to lower oil price) and 2000 (a good year for banks as the oil prices were higher). The study provided evidence that: Substantial cost X-inefficiencies and scope economies existed in UAE banks. Average small banks improved their...